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Upturn AI SWOT - About
NWG 
Natwest Group PLC (NWG)
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Upturn Advisory Summary
10/28/2025: NWG (5-star) is a STRONG-BUY. BUY since 2 days. Simulated Profits (-0.51%). Updated daily EoD!
Upturn Star Rating
Outstanding Performance
These Stocks/ETFs, based on Upturn Advisory, have historically outperformed the market, making them a top-tier choice for investors.
Number of Analysts
2 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $15.88
1 Year Target Price $15.88
| 1 | Strong Buy |
| 0 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 76.74% | Avg. Invested days 56 | Today’s Advisory Strong Buy |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  4.0 |
| Profits based on simulation | Last Close 10/28/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 62.77B USD | Price to earnings Ratio 9.16 | 1Y Target Price 15.88 |
Price to earnings Ratio 9.16 | 1Y Target Price 15.88 | ||
Volume (30-day avg) 2 | Beta 0.95 | 52 Weeks Range 8.69 - 15.69 | Updated Date 10/28/2025 |
52 Weeks Range 8.69 - 15.69 | Updated Date 10/28/2025 | ||
Dividends yield (FY) 1.24% | Basic EPS (TTM) 1.71 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Geography
Earnings Date
Report Date 2025-10-24 | When Before Market | Estimate 0.46 | Actual - |
Profitability
Profit Margin 36.57% | Operating Margin (TTM) 52.5% |
Management Effectiveness
Return on Assets (TTM) 0.78% | Return on Equity (TTM) 13.88% |
Valuation
Trailing PE 9.16 | Forward PE 8.29 | Enterprise Value 10810460160 | Price to Sales(TTM) 4.04 |
Enterprise Value 10810460160 | Price to Sales(TTM) 4.04 | ||
Enterprise Value to Revenue 3.47 | Enterprise Value to EBITDA - | Shares Outstanding 4008230021 | Shares Floating 7948200390 |
Shares Outstanding 4008230021 | Shares Floating 7948200390 | ||
Percent Insiders - | Percent Institutions 4.72 |
Upturn AI SWOT
Natwest Group PLC
Company Overview
History and Background
Natwest Group PLC, formerly Royal Bank of Scotland Group, was founded in 1968 through the merger of National Provincial Bank and Westminster Bank. It has undergone significant restructuring, including a government bailout during the 2008 financial crisis. It's a leading UK-based financial services group.
Core Business Areas
- Retail Banking: Provides banking services to individuals, including current accounts, savings accounts, mortgages, and personal loans.
- Commercial Banking: Offers banking services to small and medium-sized enterprises (SMEs) and larger corporations, including lending, transaction banking, and trade finance.
- Private Banking: Provides wealth management and private banking services to high-net-worth individuals.
- Investment Banking: Offers advisory services, underwriting, and trading services to corporate and institutional clients (through NatWest Markets). NatWest Markets is being wound down and most of its activities are now part of the Commercial Banking business
Leadership and Structure
The CEO is Paul Thwaite. The organizational structure is divided into business segments including Retail Banking, Commercial Banking, and Private Banking.
Top Products and Market Share
Key Offerings
- Current Accounts: Provides everyday banking services. Natwest group PLC have an estimated of 14% market share. Competitors: Lloyds Banking Group, Barclays, HSBC.
- Mortgages: Offers mortgage products for home purchases. Natwest has an estimated of 12% market share. Competitors: Lloyds Banking Group, Nationwide, Barclays.
- Business Loans: Provides loans to SMEs and larger corporations. Natwest estimated market share of 14%. Competitors: Lloyds Banking Group, Barclays, HSBC, Santander UK.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges such as low interest rates, increased regulation, and competition from fintech companies. The industry is also seeing increasing adoption of digital banking services.
Positioning
Natwest Group PLC is a major player in the UK banking market with a significant presence in retail, commercial, and private banking. They are focused on improving their digital offerings and efficiency.
Total Addressable Market (TAM)
The UK banking sector's TAM is in the billions of pounds. Natwest Group PLC is positioned to capture a significant portion of this market with its broad range of services and strong brand recognition. Natwest TAM = 14%
Upturn SWOT Analysis
Strengths
- Strong brand recognition
- Extensive branch network in the UK
- Large customer base
- Improved capital position after restructuring
Weaknesses
- Legacy IT systems
- High cost base compared to some competitors
- Reputational damage from past scandals
- Ongoing restructuring efforts
Opportunities
- Growth in digital banking services
- Expansion into new markets
- Increased demand for financial advice
- Leveraging technology to improve efficiency
Threats
- Increased competition from fintech companies
- Low interest rate environment
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- BCS
- LYG
- HSBC
Competitive Landscape
Natwest Group PLC competes with other major UK banks like Lloyds and Barclays, as well as international banks like HSBC. Natwest is focusing on strengthening its digital capabilities and improving its customer service to gain a competitive edge. Fintech companies also pose a growing competitive threat.
Growth Trajectory and Initiatives
Historical Growth: Due to limited access to financial data, historical growth trends are challenging to accurately assess.
Future Projections: Without access to analyst estimates, future growth projections are not possible.
Recent Initiatives: Recent initiatives include focusing on digital transformation, improving customer service, and streamlining operations.
Summary
Natwest Group PLC, a major UK bank, is navigating a competitive landscape with a focus on digital transformation. While it benefits from a strong brand and large customer base, legacy systems and regulatory pressures pose challenges. Success hinges on its ability to adapt to evolving customer preferences and improve efficiency. Future growth requires leveraging technology, improving customer service, and carefully managing regulatory risks.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Filings
- Market Reports
- Financial News Sources
Disclaimers:
This analysis is based on publicly available information and analyst estimates. Actual results may vary. This is not financial advice.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Natwest Group PLC
Exchange NYSE | Headquaters - | ||
IPO Launch date 2007-10-18 | Group CEO & Executive Director Mr. John-Paul Thwaite | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 59100 | Website https://www.natwestgroup.com |
Full time employees 59100 | Website https://www.natwestgroup.com | ||
NatWest Group plc, together with its subsidiaries, provides banking and financial products and services in the United Kingdom and internationally. It operates through Retail Banking, Private Banking, Commercial & Institutional segments. The Retail Banking segment offers a range of banking products and related financial services, such as current accounts, mortgages, personal unsecured lending, and personal deposits, as well as mobile and online banking services. The Private Banking segment provides banking, lending, and wealth management products for high-net-worth individuals and their business interests. The Commercial & Institutional segment consists of customer businesses under business banking, commercial mid-market, and corporates and institutions; and offers banking operations services in the Channel Islands, Isle of Man, Gibraltar, and Luxembourg, as well as products and solutions for businesses comprising start-ups, corporates, and large institutions. The company was formerly known as The Royal Bank of Scotland Group plc and changed its name to NatWest Group plc in July 2020. NatWest Group plc was founded in 1727 and is headquartered in Edinburgh, the United Kingdom.
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